Opinion: The medical loss ratio has become a barrier to preventive care
Health care regulations in the United States were not designed to keep Americans healthy. The best example of this is what’s known as the medical loss ratio (MLR). This federal requirement establishes how much a health plan can spend on non-medical related items. The goal was to ensure that insurance dollars are being spent on health care, not administrative costs. Today, though, it acts as a barrier to keeping people healthy and preventing medical interventions before they’re needed.
Good health has little to do with what happens in a doctor’s office. In fact, up to 80% of health outcomes and well-being depends on things like nutritious food, stable housing, available transportation, steady income, and community.
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